The Marketing Of Subprime Mortgages In The United States

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The Marketing of Subprime Mortgages in the United States

Author : Jacob D. Budin
Publisher :
ISBN 13 :
Total Pages : 44 pages
Book Rating : 4.:/5 (654 download)

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Book Synopsis The Marketing of Subprime Mortgages in the United States by : Jacob D. Budin

Download or read book The Marketing of Subprime Mortgages in the United States written by Jacob D. Budin and published by . This book was released on 2010 with total page 44 pages. Available in PDF, EPUB and Kindle. Book excerpt: In this thesis, I explore the four traditional marketing components: product, price, distribution, and promotion, of the United States subprime mortgage market. Born from federal deregulation in the 1980s, subprime lending offered American consumers with poor credit, insufficient documentation, or excessive debt access to mortgages. The government aimed to increase homeownership while at the same time allowing businesses to profit from an untapped supply of homebuyers and consumers to own homes they would otherwise not be able to secure financing for. Due to the complexity and expense of home buying, many players--including the government and nonprofits-- participated in the distribution and promotion of subprime mortgages. The American Dream, centered in homeownership as the ideal, helped drive the zeitgeist. Due to subprime mortgages' role in the housing bubble and subsequent recession, the analysis of these components is fundamental to understanding what happened and, more importantly, how we might prevent it in the future.

The Role of the Secondary Market in Subprime Mortgage Lending : Hearing Before the Subcommittee on Financial Institutions and Consumer Credit of the Committee on Financial Services, U.S. House of Representatives, One Hundred Tenth Congress, First Session, May 8, 2007

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Author : United States. Congress. House. Committee on Financial Services. Subcommittee on Financial Institutions and Consumer Credit
Publisher :
ISBN 13 :
Total Pages : 164 pages
Book Rating : 4.0/5 ( download)

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Book Synopsis The Role of the Secondary Market in Subprime Mortgage Lending : Hearing Before the Subcommittee on Financial Institutions and Consumer Credit of the Committee on Financial Services, U.S. House of Representatives, One Hundred Tenth Congress, First Session, May 8, 2007 by : United States. Congress. House. Committee on Financial Services. Subcommittee on Financial Institutions and Consumer Credit

Download or read book The Role of the Secondary Market in Subprime Mortgage Lending : Hearing Before the Subcommittee on Financial Institutions and Consumer Credit of the Committee on Financial Services, U.S. House of Representatives, One Hundred Tenth Congress, First Session, May 8, 2007 written by United States. Congress. House. Committee on Financial Services. Subcommittee on Financial Institutions and Consumer Credit and published by . This book was released on 2007 with total page 164 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Promoting Home Ownership by Ensuring Liquidity in the Subprime Mortgage Market

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Book Synopsis Promoting Home Ownership by Ensuring Liquidity in the Subprime Mortgage Market by : United States. Congress. House. Committee on Financial Services. Subcommittee on Financial Institutions and Consumer Credit

Download or read book Promoting Home Ownership by Ensuring Liquidity in the Subprime Mortgage Market written by United States. Congress. House. Committee on Financial Services. Subcommittee on Financial Institutions and Consumer Credit and published by . This book was released on 2004 with total page 162 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Subprime Mortgages

Author : Edward M. Gramlich
Publisher : The Urban Insitute
ISBN 13 : 9780877667391
Total Pages : 124 pages
Book Rating : 4.6/5 (673 download)

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Book Synopsis Subprime Mortgages by : Edward M. Gramlich

Download or read book Subprime Mortgages written by Edward M. Gramlich and published by The Urban Insitute. This book was released on 2007 with total page 124 pages. Available in PDF, EPUB and Kindle. Book excerpt: Over the past decade, a new mortgage market offering loans at low interest rates and for little or no money down has given low-income people an opportunity to pursue the American dream of homeownership. The resulting wave in home buying promised to stabilize neighborhoods and families, boost the economy, and reduce crime. In many ways, the optimists were correct, but now, less than fifteen years later, the subprime mortgage market is collapsing, threatening to take the rest of the housing sector along with it.Subprime Mortgages: America's Latest Boom and Bust analyzes how the subprime market emerged, why it is in crisis, and how we can reform public policy to avert disaster. An attendant examination of the rental market also offers recommendations for shoring up what may be the best housing option for some families.

Subprime Lending

Author : United States. Congress. House. Committee on Financial Services. Subcommittee on Housing and Community Opportunity
Publisher :
ISBN 13 :
Total Pages : 408 pages
Book Rating : 4.0/5 ( download)

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Book Synopsis Subprime Lending by : United States. Congress. House. Committee on Financial Services. Subcommittee on Housing and Community Opportunity

Download or read book Subprime Lending written by United States. Congress. House. Committee on Financial Services. Subcommittee on Housing and Community Opportunity and published by . This book was released on 2004 with total page 408 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Subprime Mortgage Market Turmoil

Author : United States. Congress. Senate. Committee on Banking, Housing, and Urban Affairs. Subcommittee on Securities, Insurance, and Investment
Publisher :
ISBN 13 :
Total Pages : 160 pages
Book Rating : 4.3/5 (91 download)

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Book Synopsis Subprime Mortgage Market Turmoil by : United States. Congress. Senate. Committee on Banking, Housing, and Urban Affairs. Subcommittee on Securities, Insurance, and Investment

Download or read book Subprime Mortgage Market Turmoil written by United States. Congress. Senate. Committee on Banking, Housing, and Urban Affairs. Subcommittee on Securities, Insurance, and Investment and published by . This book was released on 2009 with total page 160 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Effects of the Subprime Mortgage Crisis in New York City and Efforts to Help Struggling Homeowners

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Book Synopsis Effects of the Subprime Mortgage Crisis in New York City and Efforts to Help Struggling Homeowners by : United States. Congress. House. Committee on Financial Services. Subcommittee on Financial Institutions and Consumer Credit

Download or read book Effects of the Subprime Mortgage Crisis in New York City and Efforts to Help Struggling Homeowners written by United States. Congress. House. Committee on Financial Services. Subcommittee on Financial Institutions and Consumer Credit and published by . This book was released on 2008 with total page 96 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Subprime and Predatory Lending

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Book Synopsis Subprime and Predatory Lending by : United States. Congress. House. Committee on Financial Services. Subcommittee on Financial Institutions and Consumer Credit

Download or read book Subprime and Predatory Lending written by United States. Congress. House. Committee on Financial Services. Subcommittee on Financial Institutions and Consumer Credit and published by . This book was released on 2007 with total page 518 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Improving Consumer Protections in Subprime Lending

Author : United States. Congress. Senate. Committee on Commerce, Science, and Transportation. Subcommittee on Interstate Commerce, Trade, and Tourism
Publisher :
ISBN 13 :
Total Pages : 80 pages
Book Rating : 4.:/5 (319 download)

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Book Synopsis Improving Consumer Protections in Subprime Lending by : United States. Congress. Senate. Committee on Commerce, Science, and Transportation. Subcommittee on Interstate Commerce, Trade, and Tourism

Download or read book Improving Consumer Protections in Subprime Lending written by United States. Congress. Senate. Committee on Commerce, Science, and Transportation. Subcommittee on Interstate Commerce, Trade, and Tourism and published by . This book was released on 2012 with total page 80 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Subprime Mortgage Crisis and America's Veterans

Author : United States. Congress. House. Committee on Veterans' Affairs. Subcommittee on Economic Opportunity
Publisher :
ISBN 13 :
Total Pages : 76 pages
Book Rating : 4.0/5 ( download)

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Book Synopsis Subprime Mortgage Crisis and America's Veterans by : United States. Congress. House. Committee on Veterans' Affairs. Subcommittee on Economic Opportunity

Download or read book Subprime Mortgage Crisis and America's Veterans written by United States. Congress. House. Committee on Veterans' Affairs. Subcommittee on Economic Opportunity and published by . This book was released on 2008 with total page 76 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Subprime Mortgages, Foreclosures, and Urban Neighborhoods

Author : Kristopher S. Gerardi
Publisher : DIANE Publishing
ISBN 13 : 143792879X
Total Pages : 39 pages
Book Rating : 4.4/5 (379 download)

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Book Synopsis Subprime Mortgages, Foreclosures, and Urban Neighborhoods by : Kristopher S. Gerardi

Download or read book Subprime Mortgages, Foreclosures, and Urban Neighborhoods written by Kristopher S. Gerardi and published by DIANE Publishing. This book was released on 2010-06 with total page 39 pages. Available in PDF, EPUB and Kindle. Book excerpt: Analyzes the impact of the subprime mortgage crisis on urban neighborhoods in Mass. Explores the topic using a data set that matches race and income info. with property-level, transaction data. Much of the subprime lending in the state was concentrated in urban neighborhoods and that minority homeownerships created with subprime mortgages have proved exceptionally unstable in the face of rapid price declines. Subprime lending did not, as commonly believed, lead to a substantial increase in homeownership by minorities but instead generated turnover in properties owned by minority residents. The particularly dire foreclosure situation in urban neighborhoods actually makes it somewhat easier for policymakers to provide remedies. Illus.

The Role of the Secondary Market in Subprime Mortgage Lending

Author : United States. Congress
Publisher : Createspace Independent Publishing Platform
ISBN 13 : 9781984186584
Total Pages : 162 pages
Book Rating : 4.1/5 (865 download)

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Book Synopsis The Role of the Secondary Market in Subprime Mortgage Lending by : United States. Congress

Download or read book The Role of the Secondary Market in Subprime Mortgage Lending written by United States. Congress and published by Createspace Independent Publishing Platform. This book was released on 2018-01-25 with total page 162 pages. Available in PDF, EPUB and Kindle. Book excerpt: The role of the secondary market in subprime mortgage lending : hearing before the Subcommittee on Financial Institutions and Consumer Credit of the Committee on Financial Services, U.S. House of Representatives, One Hundred Tenth Congress, first session, May 8, 2007.

Subprime Attention Crisis

Author : Tim Hwang
Publisher : FSG Originals
ISBN 13 : 0374721246
Total Pages : 176 pages
Book Rating : 4.3/5 (747 download)

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Book Synopsis Subprime Attention Crisis by : Tim Hwang

Download or read book Subprime Attention Crisis written by Tim Hwang and published by FSG Originals. This book was released on 2020-10-13 with total page 176 pages. Available in PDF, EPUB and Kindle. Book excerpt: From FSGO x Logic: a revealing examination of digital advertising and the internet's precarious foundation In Subprime Attention Crisis, Tim Hwang investigates the way big tech financializes attention. In the process, he shows us how digital advertising—the beating heart of the internet—is at risk of collapsing, and that its potential demise bears an uncanny resemblance to the housing crisis of 2008. From the unreliability of advertising numbers and the unregulated automation of advertising bidding wars, to the simple fact that online ads mostly fail to work, Hwang demonstrates that while consumers’ attention has never been more prized, the true value of that attention itself—much like subprime mortgages—is wildly misrepresented. And if online advertising goes belly-up, the internet—and its free services—will suddenly be accessible only to those who can afford it. Deeply researched, convincing, and alarming, Subprime Attention Crisis will change the way you look at the internet, and its precarious future. FSG Originals × Logic dissects the way technology functions in everyday lives. The titans of Silicon Valley, for all their utopian imaginings, never really had our best interests at heart: recent threats to democracy, truth, privacy, and safety, as a result of tech’s reckless pursuit of progress, have shown as much. We present an alternate story, one that delights in capturing technology in all its contradictions and innovation, across borders and socioeconomic divisions, from history through the future, beyond platitudes and PR hype, and past doom and gloom. Our collaboration features four brief but provocative forays into the tech industry’s many worlds, and aspires to incite fresh conversations about technology focused on nuanced and accessible explorations of the emerging tools that reorganize and redefine life today.

The National Homeownership Strategy

Author : United States. Department of Housing and Urban Development
Publisher :
ISBN 13 :
Total Pages : 120 pages
Book Rating : 4.3/5 (121 download)

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Book Synopsis The National Homeownership Strategy by : United States. Department of Housing and Urban Development

Download or read book The National Homeownership Strategy written by United States. Department of Housing and Urban Development and published by . This book was released on 1995 with total page 120 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Making Sense of the Subprime Crisis

Author : Kristopher S. Gerardi
Publisher : DIANE Publishing
ISBN 13 : 1437929850
Total Pages : 75 pages
Book Rating : 4.4/5 (379 download)

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Book Synopsis Making Sense of the Subprime Crisis by : Kristopher S. Gerardi

Download or read book Making Sense of the Subprime Crisis written by Kristopher S. Gerardi and published by DIANE Publishing. This book was released on 2011 with total page 75 pages. Available in PDF, EPUB and Kindle. Book excerpt: This is a print on demand edition of a hard to find publication. Explores the question of whether market participants could have or should have anticipated the large increase in foreclosures that occurred in 2007 and 2008. Most of these foreclosures stemmed from loans originated in 2005 and 2006, leading many to suspect that lenders originated a large volume of extremely risky loans during this period. While loans originated in this period did carry extra risk factors, underwriting standards alone cannot explain the dramatic rise in foreclosures. Market participants should have understood that a significant fall in prices would cause a large increase in foreclosures. Analysts understood that a fall in prices would have disastrous consequences for the market but assigned a low probability to such an outcome. Charts and tables.

The Subprime Solution

Author : Robert J. Shiller
Publisher : Princeton University Press
ISBN 13 : 0691156328
Total Pages : 224 pages
Book Rating : 4.6/5 (911 download)

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Book Synopsis The Subprime Solution by : Robert J. Shiller

Download or read book The Subprime Solution written by Robert J. Shiller and published by Princeton University Press. This book was released on 2012-09-24 with total page 224 pages. Available in PDF, EPUB and Kindle. Book excerpt: A best-selling economist reveals the origins of the subprime mortgage crisis and puts forward bold measures to resolve it by restructuring the institutional foundations of the financial system in a thoughtful study by the author of Irrational Exuberance. First serial, The Atlantic.

Lessons Learned in Management, Marketing, Sales, and Finance Incentive Practices a Decade After the Subprime Mortgage Crisis

Author : Jason Thomas
Publisher :
ISBN 13 :
Total Pages : 8 pages
Book Rating : 4.:/5 (13 download)

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Book Synopsis Lessons Learned in Management, Marketing, Sales, and Finance Incentive Practices a Decade After the Subprime Mortgage Crisis by : Jason Thomas

Download or read book Lessons Learned in Management, Marketing, Sales, and Finance Incentive Practices a Decade After the Subprime Mortgage Crisis written by Jason Thomas and published by . This book was released on 2017 with total page 8 pages. Available in PDF, EPUB and Kindle. Book excerpt: The subprime mortgage crisis was the most devastating financial crisis since the Great Depression. The steady rise of housing purchases and seemingly limitless increase in home values drew many investors to the United States real estate market. The business growth in this sector was so compelling that financial firms created new secondary markets that were perceived as diversifying risk, which in turn prompted lenders to create innovative funding vehicles and loose and fast loan qualification processes. The federal government was ill prepared to deal with this shift in the financial world to market-based demand, and the results were disastrous. Lenders embraced predatory lending practices, borrowers with bad credit overextended themselves beyond their means, and foreclosures occurred at startling rates as home values plummeted, resulting in a world-wide economic depression. Ten years later, we reflect on the events that led up to and caused the subprime mortgage crisis for lessons learned to improve management, marketing, and finance incentive practices.